The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,767
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,257
−HK$499/mo
Today · 4.125%
HK$16,756
baseline
▲ 0.50% · 4.625%
HK$17,775
+HK$1,019/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,512/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,541
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,011
−HK$477/mo
Today · 4.125%
HK$18,488
baseline
▲ 0.50% · 4.625%
HK$19,463
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,976/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,920
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,509
−HK$598/mo
Today · 4.125%
HK$20,107
baseline
▲ 0.50% · 4.625%
HK$21,330
+HK$1,223/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,214/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,049
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,613
−HK$573/mo
Today · 4.125%
HK$22,186
baseline
▲ 0.50% · 4.625%
HK$23,355
+HK$1,169/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,372/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,074
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,760
−HK$698/mo
Today · 4.125%
HK$23,458
baseline
▲ 0.50% · 4.625%
HK$24,885
+HK$1,427/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,916/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,557
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,215
−HK$669/mo
Today · 4.125%
HK$25,884
baseline
▲ 0.50% · 4.625%
HK$27,248
+HK$1,364/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,768/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,381
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,263
−HK$897/mo
Today · 4.125%
HK$30,160
baseline
▲ 0.50% · 4.625%
HK$31,995
+HK$1,835/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,320/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,573
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,420
−HK$859/mo
Today · 4.125%
HK$33,279
baseline
▲ 0.50% · 4.625%
HK$35,033
+HK$1,754/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,558/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,437 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).